HSBC Premier World Rewards Program Terms & Conditions

Size: px
Start display at page:

Download "HSBC Premier World Rewards Program Terms & Conditions"

Transcription

1 HSBC Premier World Rewards Program Terms & Conditions The HSBC Premier World Rewards Program (the Program ) allows participants with an HSBC Premier World MasterCard to earn Points which can be redeemed toward rewards including merchandise, gift certificates and credits for self-booked airline and vacation packages. The Program is sponsored by HSBC Bank Canada (the "Bank", "we", "us", our ). In these Terms "you" and "your" mean the Primary Cardholder. Read these Terms carefully and keep them so you can refer to them later. These Terms apply to the Program and replace all prior terms and conditions, unless otherwise specified by us in writing. Signing, activating or using your HSBC Premier World MasterCard or your Account number at any time following enrollment means that you have received and read these Terms and agree to and accept all of them. Some words in these Terms are capitalized because they have special meanings. Please see Section 22 for an explanation of these words. 1. Eligibility The Program is offered at our sole discretion and is available if you are currently enrolled in the Program and your Account is in good standing. Your Account is in good standing as long as you fully comply with the terms and conditions of your Cardholder Agreement and these Terms. You may not earn or redeem Points if you are in default under the terms and conditions of your Cardholder Agreement or these Terms. A Rewards Account will only be opened in the name of a Primary Cardholder who is a natural person. Businesses, corporations, partnerships and other legal entities are not eligible for a Rewards Account. 2. Points The Program is based on Points. Points awarded under the Program have no cash value. Points may only be converted or transferred (i) to another HSBC Rewards Program account as set out in Section 13, or (ii) under the Miles Program as set out in Section Otherwise, Points are non-transferable. Points in the Rewards Account are solely for the benefit of the Primary Cardholder. Points are not divisible in case of separation, divorce, bankruptcy or otherwise. 3. Earning Points a. Your Rewards Account is awarded Points as follows: (i) 1 Point for $1 in Net Purchases, other than Foreign Currency Purchases and Gas, Grocery and Drug Store Purchases; (ii) 1.5 Points for $1 in Net Purchases which are Gas, Grocery, and Drug Store Purchases; (iii) 2 Points for $1 in Net Purchases which are Foreign Currency Purchases. For purposes this Section 3, the following terms have the meaning set out below: Foreign Currency Purchases are purchases made with your HSBC Premier World MasterCard in a foreign currency (currency other than Canadian Dollars). Purchases that are converted to Canadian currency at the point of sale are not included. Gas, Grocery and Drug Store Purchases are purchases made in Canadian currency with your HSBC Premier World MasterCard at merchants that are classified in the MasterCard network as grocery stores, service stations/automated gas dispensers or drug stores. Some merchants may sell gas, grocery or drug store products/services or are separate merchants located on gas, grocery or

2 drug store premises but are classified in another manner, in which case they are not treated as Gas, Grocery and Drugstore Purchases. "Net Purchases" means the amount of purchases of goods and services that are charged to the Account except for quasi-cash transactions (which include purchases of wire transfers, travelers cheques, foreign currency, money orders, payment of an existing debt, bets, lottery tickets and gaming chips), less any credits. No Points shall be earned in respect of cash advances (including balance transfers and convenience cheques), optional services, interest charges or fees. b. Credits for returns, refunds, rebates or adjustments reflected on your Account statements during the operation of the Program will reduce or cancel Points at the same rate that the Points were originally earned. If you return Foreign Currency Purchases, the dollar amount of the refund posted to your Account may be different that the amount of the original Purchase (since the foreign currency exchange rate may be different on the date that the refund is processed than on the date of the original transaction). The amount of each return, refund, rebate or adjustment (as posted to your Account) is multiplied by the appropriate Earn Rate to determine the number of Points to be deducted. If your Rewards Account has insufficient Points available for the credit, we may deduct Points from future Points which are not yet earned or charge your Account for the value of Points which cannot be so deducted, at the rate of $1.00 for every 100 Points (plus applicable taxes). This right will survive termination of your participation in the Program. c. The terms, conditions, and eligible merchant categories for Foreign Currency Purchases and Gas, Grocery and Drug Store Purchases may change without notice. d. On occasion, additional Points may apply to special offers, or be awarded by participating merchants or service establishments. In addition, we may offer bonus Points based on a higher Earn Rate from time to time. All such special offers, including bonus Points offers, are subject to applicable offer terms and conditions. 4. Redeeming Points a. You can redeem for available Rewards by going online at rewards.hsbc.ca or by calling HSBC Rewards Customer Care, unless otherwise stipulated in these Terms. b. Points are only available for redemption after the statement date of the Account statement on which the Points first appear. You must redeem your Points during the operation of the Program and during the time that your Account is in good standing. c. When you request your Reward, your Rewards Account will be debited the number of Points you are required to redeem for that Reward. Redemptions are non-refundable / non-returnable, except as provided in these Terms. d. Points can only be redeemed by the Primary Cardholder. Authorized users will not be able to redeem for Rewards. 5. Points Summary & Verification A section of your Account statement will show your Points transactions and balance ( Points Summary ). You must examine promptly each Points Summary and each entry and balance recorded in it. If you do not notify us in writing of any errors within 30 days from the statement date indicated on the Account statement, we are entitled to treat the entries and balances in that Points Summary as complete, correct and binding on you. Your Points Summary will reflect the Points earned during the statement period, including the amount of any bonus Points earned during the period. If Points are awarded at an Earn Rate that is greater than the base earn rate (of one Point for every $1.00 in Net Purchases), such additional Points will be disclosed as bonus Points on your Points Summary. 6. Rewards

3 All Rewards are subject to availability and the rules and restrictions of Rewards suppliers. We reserve the right to alter, change, or terminate any Rewards, in whole or in part, at any time without notice. 7. Merchandise & Gift Certificates a. All merchandise offerings are subject to availability. If an item is unavailable exactly as shown, you will be sent a substitute of equal or greater value. If a suitable substitution is not available, the Points used will be credited back to your Rewards Account and you will be contacted and advised to make another selection. b. If an item is temporarily out of stock, you will be notified and advised of the anticipated delivery date. c. The items received may not be exactly as illustrated due to the fact the manufacturers sometimes change models or the displayed articles are in limited quantities. d. Each gift certificate / gift card is subject to the merchant's terms and conditions. Merchants, including restaurants and retailers, may be added or deleted from the Program at any time at our sole discretion. 8. Delivery of Merchandise and Gift Certificates Allow three to four weeks from the time your order is received for delivery. Delivery of merchandise and gift certificates will be made by prepaid delivery service during normal business hours or by regular mail to the address specified in your order. Rewards will be delivered to Canadian street addresses only. It may be necessary for you to make appropriate arrangements for receipt of deliveries and some assembly of items may be required. Every attempt will be made to fulfill orders as quickly as possible. However, the Bank and its Reward suppliers are not responsible for delays due to union disputes, postal disruption or any other valid reason. 9. Merchandise Returns a. You may return Rewards merchandise within 15 days of receipt. Contact HSBC Rewards Customer Care for full instructions and a return authorization number. Any shipping costs associated with such returns will be your responsibility. b. In the event that Rewards merchandise arrives damaged or missing pieces, contact HSBC Rewards Customer Care immediately. Items that are damaged or missing pieces will be replaced without charge if reported to HSBC Rewards Customer Care within 5 business days of receipt. c. You must retain all packaging and carton material for return. Should any shortages or damages be apparent, you must note them on the delivery receipt before you sign for the merchandise. d. Gift certificates / gift cards may not be returned under any circumstances. 10. Lifestyle Rewards Lifestyle Rewards include applicable taxes and shipping (unless otherwise indicated). Certain fees and expenses may not be included. Lifestyle Rewards may be subject to specific terms and conditions, exclusions and restrictions as determined by participating suppliers. Due to the unique nature of Lifestyle Rewards, availability of space and/or dates may be limited. 11. Account Contributions 11.1 HSBC Account Contribution

4 a. You can redeem your Points for an HSBC Account Contribution online at rewards.hsbc.ca or by calling HSBC Rewards Customer Care. Accounts eligible for a credit are specified online at or by calling HSBC Rewards Customer Care. The requisite account must be open and in good standing at the time of redemption. If you do not already have the requisite account, you will need to open an account in accordance with standard account opening procedures before redeeming your Points. b. Additional terms apply to specific HSBC Account Contribution offers. Details about HSBC Account Contributions are available at or by calling HSBC Rewards Customer Care. Points that can be redeemed for an HSBC Account Contribution may be subject to a minimum or maximum, as specified at c. HSBC Account Contributions will be credited electronically to the specified HSBC account within 10 business days of redemption Cash Back Rebate a. You can redeem your Points for a credit to your HSBC Premier World MasterCard Account by calling HSBC Premier MasterCard Customer Care using the toll free number found on the back of your Card. The required number of Points and Rebate amount are specified online at or by calling HSBC Premier MasterCard Customer Care. Points that can be redeemed for a Rebate may be subject to a minimum or maximum, as specified at b. The Rebate will be credited directly to your Account, provided that your Account is open and in good standing at the time of redemption. Rebates will be credited to your Account within 10 business days of redemption. 12. Travel Rewards 12.1 Self-Booked Travel Rebate a. You can redeem your Points for a credit to your HSBC Premier World MasterCard Account when you purchase an Eligible Travel Ticket yourself using your HSBC MasterCard. The ticket must be purchased on your HSBC Premier World MasterCard and you must be enrolled in the Rewards program at the time of purchase. Once you have purchased the Eligible Travel Ticket, and the charge appears on your Account statement, you may contact HSBC Rewards Customer Care or visit rewards.hsbc.ca to redeem your Points to receive the Self-Booked Travel Rebate. b. Each purchase of an Eligible Travel Ticket is treated as a separate transaction for purposes of redemption. For example, if you purchase 2 airline tickets at the same time and they appear as one transaction on your HSBC Premier World MasterCard Account, it will be treated as one purchase. However, if you purchase 2 airline tickets separately, and they appear as separate transactions on your HSBC Premier World MasterCard Account, they will be treated as 2 separate purchases for purposes of redemption. c. Points can be redeemed towards an Eligible Travel Ticket which is charged to your Account, in accordance with the then current Redemption Schedule for Self-Booked Travel Rebates. The Redemption Schedule for Self-Booked Travel Rebates forms part of these Terms. We may amend or replace such Redemption Schedule at any time without notice to you. The current Redemption Schedule for Self-Booked Travel Rebates is available online at or by calling HSBC Rewards Customer Care. Points that can be redeemed for the Self-Booked Travel Rebate may be subject to a minimum or maximum, as specified at

5 d. You must redeem Points for a Self-Booked Travel Rebate through the HSBC Rewards Customer Care or online at rewards.hsbc.ca within sixty (60) days of the transaction date of the Eligible Travel Ticket purchase and after the purchase has been posted to your Account. Evidence of purchase may be required. e. Your Account will be credited based on the redemption value of the Points on the date that the Points are redeemed through the HSBC Rewards Customer Care or rewards.hsbc.ca. The statement credit will then appear on your monthly Account statement within the next two billing cycles. Any request for a Self-Booked Travel Rebate is final and cannot be reversed. f. Points can only be redeemed for a statement credit up to the full amount of the Eligible Travel Ticket that has been charged to your Account. Your Account will not be credited for more than the full amount of the Eligible Travel Ticket purchase that has been charged to your Account. Any charge to the Account that is not covered by the amount of the Self-Booked Travel Rebate will remain on the Account and you will continue to be responsible for payment of that remaining amount. g. The Bank, their affiliates, subsidiaries or representatives are not responsible for the performance by the airlines or other suppliers of the transportation or other travel services purchased. All reservations and ticketing are subject to the terms and conditions, including conditions of carriage, of the party providing the transportation and/or other travel services, including exclusions and limitations of liability Rewards for Miles Program a. Under the Miles Program, you can convert Points to miles (or points) of a participating frequent flyer / travel reward program. In order to participate in the Miles Program, you must first be a member of a participating airline frequent flyer / travel reward program, and obtain a frequent flyer / travel reward program number. Points may only be converted to miles (or points) of the frequent flyer / travel reward program account in your name (as the Primary Cardholder). b. Airline / travel reward program participation in the Miles Program is subject to change from time to time. Information about participating airline / travel reward program(s) is available at A transfer of Points to an airline / travel reward program under the Miles Program shall constitute a redemption of Points for purposes of these Terms. c. The conversion rate of Points for participating airline miles / travel reward may vary by airline frequent flyer / travel reward program and is available at The number of Points that can be transferred in the Miles Program may be subject to a minimum or maximum, as specified at d. Once Points are transferred to an airline / travel reward program for miles through the Miles Program, they will be immediately deducted from your Rewards Account. Points cannot be transferred back to your Rewards Account. HSBC assumes no responsibility for Points transferred from your Rewards Account to any frequent flyer / travel reward program account or for the actions of any participating airline / loyalty provider in connection with its frequent flyer / travel reward program or otherwise. e. Timing for the redeemed Points to be converted to miles and posted to the frequent flyer / travel reward program account may vary by airline / loyalty provider. In order to request the conversion of Points to a participating frequent flyer / travel reward program account, you must provide certain information related to the frequent flyer / travel reward program account held by the participating partner. Incomplete or inaccurate information cannot be processed. HSBC is not responsible for any delays in, or inability to process, any requests under the Miles Program. f. You are subject to, and must comply with, the terms and conditions of the frequent flyer / travel reward program(s) in which you are enrolled. Once Points have been converted to the other

6 frequent flyer / travel reward program, they are subject to the full terms and conditions of such frequent flyer / travel reward program, but not limited to, those pertaining to flight booking, seat availability and blackout periods. 13. Conversion or Transfer of Points to Another HSBC Rewards Program a. You may only convert or transfer Points to another HSBC Rewards Program, as permitted by us and subject to such restrictions and conditions as we may impose, from time to time, in our absolute discretion. Points may only be converted or transferred to points, cash back rebate or other applicable rewards currency of another HSBC Rewards Program account in your name (as the Primary Cardholder). b. We may permit you to convert or transfer Points to points, cash back rebate or other applicable rewards currency of another HSBC Rewards Program, subject to these Terms and any other terms and conditions associated with any conversion or transfer offer that we may make available to you. In order to qualify for any conversion or transfer of Points to another eligible HSBC Rewards Program, your Account must be in Good Standing. c. A conversion or transfer of Points from your Rewards Account to another eligible HSBC Rewards Program shall constitute redemption of your Points for purposes of these Terms. d. The terms and conditions associated with any offer to convert or transfer Points shall be determined by us, including the rate of conversion or transfer. In addition, we may in our absolute discretion (i) prohibit any such transfer or conversion at any time, (ii) limit the number of Points that may be transferred or converted, (iii) adjust the rate of conversion or transfer, (iv) deduct bonus Points that may have been awarded, or (v) charge a service fee for any Points conversion or transfer. Any Points conversion or transfer is final and may not be reversed. 14. Termination/Cancellation a. The Program is offered in our sole discretion and with no predetermined termination date. We may suspend or terminate the Program, in whole or in part, at any time for any reason with or without notice to you. b. We may, without notice, suspend or terminate your membership in the Program, cancel your Rewards Account and cancel your Points in the event of (i) fraud, (ii) abuse of Program privileges, (iii) violation of these Terms, or (iv) your personal bankruptcy. c. If we cancel your Account for any reason, then your Points shall be automatically cancelled without notice to you and may not subsequently be redeemed, transferred or converted. d. Upon the death of the Primary Cardholder, membership in the Program will terminate and the Points in the Rewards Account will be available for redemption by the Primary Cardholder s estate for a period of 90 days (upon presentation of appropriate documentation). Points that have not been redeemed within such 90 day period, will automatically be cancelled and may not subsequently be redeemed, transferred or converted. e. Upon (i) the voluntary cancellation of your membership in the Program, or (ii) your voluntary cancellation of the Account, membership in the Program will terminate and the Points in the Rewards Account shall be automatically cancelled without notice to you and may not subsequently be redeemed, transferred or converted. 15. Changing the Program and These Terms We may change the Program and these Terms at any time without giving you notice. Program changes may include, without limitation, changes to (i) any Reward(s), (ii) the Points required to be redeemed for any Reward, (iii) any special bonus Points offer, (iv) the formula upon which Points are earned, or (v) the Miles

7 Program. 16. Release of Liability You agree that the Bank and any of its affiliates, subsidiaries, or representatives are not responsible for, and you release us and them from any and all liability arising as a result of the following: a. any accident, loss, injury or damage caused by any Rewards supplied or requested in connection with the Program; b. any unauthorized redemption of Points; c. delays in delivery, or the loss or theft of any Rewards (including without limitation gift certificates / gift cards, tickets or merchandise); d. failure to provide you with one or more Points Summaries; e. any errors or omissions in the catalogue(s) and other Reward sources; f. suspension or termination of the Program, in whole or in part, for any reason; g. suspension or termination of your membership in the Program, the closing of your Account or the cancellation or invalidation of any or all of your Points; h. failure or delay of any Rewards supplier to perform in any way. 17. Responsibility for Tax Any federal and/or provincial tax liability arising from the issue or redemption of Points or the receipt of a Reward is your responsibility. You understand that we will not issue tax receipts or tax slips (unless otherwise required by applicable tax law). The amount of any Taxes and Other Charges associated with your travel arrangements that are imposed by travel suppliers and other third parties are your sole responsibility and may change at any time without notice, even after the date that travel arrangements have been confirmed. 18. Survival Sections 3(b), 12.1(g), 12.2(d and e) and will survive termination of your participation in the Program. 19. Independent Contractors The suppliers providing Rewards are independent contractors and are not agents or employees of the Bank or any of its affiliates, subsidiaries, or representatives. All documentation, receipts, tickets, reservations, goods and/or services are issued subject to the terms and conditions specified by the suppliers. 20. Information Sharing We may exchange program related information about you with other parties, such as participating partners, merchants or service providers, as required to administer the Program and to fulfill your redemption requests. 21. Interpretation All questions or disputes regarding the Program and the interpretation of these Terms will be resolved by us in our sole discretion. 22. Language The parties expressly request and require that these Terms and all other related documents be drafted in

8 English. Les parties ont expressément demandé que cette convention et tous les documents qui s'y rattachent soient rédigés en anglais. 23. About the words we use in this Agreement The definitions contained in the Cardholder Agreement apply to these Terms as well. In addition, the words listed below have the following meanings. All such words are capitalized throughout these Terms so you can identify them easily. Account means your HSBC Premier World MasterCard account. Cardholder Agreement means the HSBC Premier World MasterCard Cardholder Agreement between you and us governing the Account. Earn Rate means each earn rate for Points applicable to a Card that participates in the Program, including the base earn rate (of one Point for every $1.00 in Net Purchases) and any bonus earn rate that we may offer and for which you are qualified. Eligible Travel Ticket means each purchase of airline tickets, vacation packages, car rentals, hotels, cruises, rail tickets and tours that are eligible for the Self Booked Travel Rebate. Foreign Currency Purchases has the meaning given in Section 3(a) of these Terms. Gas, Grocery and Drug Store Purchases has the meaning given in Section 3(a) of these Terms. HSBC Account Contribution means a contribution made by means of a credit towards an eligible HSBC chequing, savings, credit or investment account, as outlined in Section HSBC Rewards Program means a rewards program made available by HSBC to eligible HSBC MasterCard cardholders. Miles Program means the Reward available to qualified HSBC Premier Cardholders whereby Points may be converted to miles (or points) of a participating frequent flyer / travel reward program, as outlined in Section Net Purchases has the meaning given in Section 3(a) of these Terms. Points means the points credited to your Rewards Account, subject to these Terms. Primary Cardholder means the person who applied for a Card, as primary cardholder, and in whose name we opened an Account. Rebate means the credit to your HSBC Premier World MasterCard Account available for redemption under the Program, as outlined in Section Rewards means the merchandise, gift certificates, lifestyle rewards, HSBC Account Contributions, Rebates, Self-Booked Travel Rebates and any other rewards available for redemption under the Program. Rewards Account means the account we have opened in the Primary Cardholder's name for the crediting and debiting of Points earned in connection with the Program. Self-Booked Travel Rebate means a statement credit to your HSBC Premier World MasterCard Account for each Eligible Travel Ticket purchased using your Account, as outlined in Section Taxes and Other Charges means taxes and service fees (including sales tax, GST, HST, departure and transportation taxes and fees, airport improvement fees, and other taxes), excess baggage charges, immigration fees, government fees and levies, customs charges and passenger facilities charges, health and other inspection fees, fuel surcharges and other non-ticket costs or charges which may be imposed. Terms means these Terms and Conditions governing the HSBC Premier World Rewards Program.

HSBC Business Card Rewards Program Terms & Conditions

HSBC Business Card Rewards Program Terms & Conditions HSBC Business Card Rewards Program Terms & Conditions The HSBC Business Card Rewards Program (the Program ) allows participants to earn Points which can be redeemed toward rewards including merchandise,

More information

ATB FINANCIAL BUSINESS REWARDS TERMS AND CONDITIONS

ATB FINANCIAL BUSINESS REWARDS TERMS AND CONDITIONS Effective February 8, 2016 1. REWARD PROGRAM These terms and conditions apply to the ATB Financial Business Rewards BusinessCard Program (the Program ) associated with the Card Account that allows you

More information

CASH REWARDS COLLABRIA CASH BACK CARD C33014

CASH REWARDS COLLABRIA CASH BACK CARD C33014 CASH REWARDS COLLABRIA CASH BACK CARD C33014 Cash Rewards COLLABRIA CASH BACK CARD By using your Collabria Cash Back Card, you agree to the following terms and conditions which form part of the Collabria

More information

HSBC Cash Back Rebate Mortgage Account Contribution HSBC Personal Savings Account Contribution Book Your Own Travel Rewards for Miles

HSBC Cash Back Rebate Mortgage Account Contribution HSBC Personal Savings Account Contribution Book Your Own Travel Rewards for Miles HSBC Premier World MasterCard Rewards Redemption Terms & Conditions HSBC Cash Back Rebate Mortgage Account Contribution HSBC Personal Savings Account Contribution Book Your Own Travel Rewards for Miles

More information

RBC Cash Back Program Terms and Conditions

RBC Cash Back Program Terms and Conditions RBC Cash Back Program Terms and Conditions (09/2014) 1. What the Words Mean I, me and my mean (i) the Personal Applicant for a Personal Account, and (ii) any Business Cardholder on a Business Account;

More information

HSBC Cash Back Rebate Mortgage Account Contribution HSBC Personal Savings Account Contribution Book Your Own Travel

HSBC Cash Back Rebate Mortgage Account Contribution HSBC Personal Savings Account Contribution Book Your Own Travel HSBC MasterCard Rewards Redemption Terms & Conditions HSBC Cash Back Rebate Mortgage Account Contribution HSBC Personal Savings Account Contribution Book Your Own Travel HSBC Cash Back Rebate The flexibility

More information

(Available on our Platinum Rewards credit card, Business Platinum Rewards credit card, & Unitus Rewards checking account debit card only)

(Available on our Platinum Rewards credit card, Business Platinum Rewards credit card, & Unitus Rewards checking account debit card only) (Available on our Platinum Rewards credit card, Business Platinum Rewards credit card, & Unitus Rewards checking account debit card only) I. Description of the Program a) Unitus members with Prime Share

More information

RULES governing the Cashback Program

RULES governing the Cashback Program RULES governing the Cashback Program Rules The following rules apply to the Laurentian Bank Cashback Program and are subject to change without notice. Once you activate, sign or otherwise use your Laurentian

More information

Card Services Rewards and Card Services Qantas Rewards Program Terms and Conditions

Card Services Rewards and Card Services Qantas Rewards Program Terms and Conditions Card Services Rewards and Card Services Qantas Rewards Program Terms and Conditions February 2012 Contents Page 1. Definitions 2 Chapter One 2. Participation and Agreement 4 3. Awarding of Points 4 4.

More information

Terms and Conditions. Premium and Standard Membership Rewards Program for Suncorp Clear Options Business Credit Cards

Terms and Conditions. Premium and Standard Membership Rewards Program for Suncorp Clear Options Business Credit Cards Terms and Conditions Premium and Standard Membership Rewards Program for Suncorp Clear Options Business Credit Cards Effective Date: May 2014 Table of Contents 1. Meaning of Words... 1 2. Participation

More information

WALMART CANADA BANK MASTERCARD REWARDS PROGRAM TERMS AND CONDITIONS

WALMART CANADA BANK MASTERCARD REWARDS PROGRAM TERMS AND CONDITIONS WALMART CANADA BANK MASTERCARD REWARDS PROGRAM TERMS AND CONDITIONS These terms and conditions apply to the Walmart Canada Bank MasterCard Rewards Program (the Program ). You may earn Walmart Rewards based

More information

BMO Harris RewardsSM Program Rules: BMO Harris Bank Rewards MasterCard BMO Harris Bank Premier Rewards MasterCard

BMO Harris RewardsSM Program Rules: BMO Harris Bank Rewards MasterCard BMO Harris Bank Premier Rewards MasterCard BMO Harris Rewards SM Program Rules: BMO Harris Bank Rewards MasterCard BMO Harris Bank Premier Rewards MasterCard BMO Harris Bank Select World MasterCard BMO Harris Bank Premier World MasterCard BMO Private

More information

Citibank Rewards and Citibank Qantas Rewards Program Terms and Conditions. Citibank Rewards Credit Card - Signature Citi Prestige Credit Card

Citibank Rewards and Citibank Qantas Rewards Program Terms and Conditions. Citibank Rewards Credit Card - Signature Citi Prestige Credit Card Citibank Rewards and Citibank Qantas Rewards Program Terms and Conditions Citibank Rewards Credit Card - Signature Citi Prestige Credit Card Contents Page 1. Definitions 2 Chapter One 2. Participation

More information

HSBC s Credit Card Rewards Program. Terms and conditions HSBC Premier World MasterCard

HSBC s Credit Card Rewards Program. Terms and conditions HSBC Premier World MasterCard HSBC s Credit Card Rewards Program Terms and conditions HSBC Premier World MasterCard Rewards Plus Program The meaning of words printed like this and some other key words is explained at the end of these

More information

VOICE Credit Card Rewards Terms and Conditions

VOICE Credit Card Rewards Terms and Conditions VOICE Credit Card Rewards Terms and Conditions Contents IMPORTANT NOTICE... 2 PROGRAM DESCRIPTION... 2 ELIGIBILITY... 2 EARNING POINTS... 2 RESTRICTIONS ON POINT EARNING... 3 POINT EXPIRATION, LOSS OF

More information

Purchase Perks Program Rules & Conditions

Purchase Perks Program Rules & Conditions Purchase Perks Program Rules & Conditions These Rules and Conditions (Terms and Conditions) apply to the following credit cards that are issued by Synovus Bank and are participating in the Purchase Perks

More information

January 2009. Q Rewards Terms and Conditions

January 2009. Q Rewards Terms and Conditions January 2009 Q Rewards Terms and Conditions 2 Contents Page 1. Definitions 4 2. Participation 4 3. Accumulation of Reward Points 4 4. Duration and Loss of Reward Points 5 5. Reward Redemption 6 6. Fast

More information

LOGIX REWARDS PROGRAM DISCLOSURE Program Rules

LOGIX REWARDS PROGRAM DISCLOSURE Program Rules LOGIX REWARDS PROGRAM DISCLOSURE Program Rules In this Logix Rewards Program Disclosure, the words "we", "us", "our", and "Logix" each mean Logix Federal Credit Union. The words "you", "your, "yours",

More information

HSBC s Credit Card Rewards Program. Terms and Conditions HSBC Classic Credit Card and HSBC Platinum Credit Card

HSBC s Credit Card Rewards Program. Terms and Conditions HSBC Classic Credit Card and HSBC Platinum Credit Card HSBC s Credit Card Rewards Program Terms and Conditions HSBC Classic Credit Card and HSBC Platinum Credit Card As at 1 March 2014 Rewards Plus Program The meaning of words printed like this and some other

More information

How To Get Points From Worldpoints

How To Get Points From Worldpoints WorldPoints Rewards Program Rules It s easy to earn Points simply use your credit card for everyday purchases, like buying groceries, filling the gas tank or paying your utility bill. Your rewards at a

More information

NAVY FEDERAL S BUSINESS REWARDS CARD PROGRAM DESCRIPTION

NAVY FEDERAL S BUSINESS REWARDS CARD PROGRAM DESCRIPTION NAVY FEDERAL S BUSINESS REWARDS CARD PROGRAM DESCRIPTION BUSINESS REWARDS Online Members with NFO access may view their BUSINESS REWARDS point history and redeem points on navyfederal.org 24 hours a day

More information

Terms and Conditions. Suncorp Bank Rewards and Suncorp Bank Qantas Frequent Flyer Rewards for Suncorp Clear Options Personal Credit Cards

Terms and Conditions. Suncorp Bank Rewards and Suncorp Bank Qantas Frequent Flyer Rewards for Suncorp Clear Options Personal Credit Cards Terms and Conditions Suncorp Bank Rewards and Suncorp Bank Qantas Frequent Flyer Rewards for Suncorp Clear Options Personal Credit Cards Effective Date: July 2014 Table of Contents 1. Meaning of Words...

More information

Visa Credit Card Cardmember Agreement

Visa Credit Card Cardmember Agreement Visa Credit Card Cardmember Agreement In this Agreement the words You, Your and Yourself mean each and all of those who apply for the card or who sign this Agreement. Card means the Visa Credit Card and

More information

SAVINGSTAR CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS

SAVINGSTAR CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS SAVINGSTAR CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS As used in these Terms and Conditions, the words you and your refer to the owner(s) (primary and secondary cardmembers) with a SavingStar American

More information

Macquarie Bank Rewards Program. Terms and Conditions

Macquarie Bank Rewards Program. Terms and Conditions Macquarie Bank Rewards Program Terms and Conditions Effective December 2012 1 Contents 1. When do these Terms and Conditions apply to me? 31 2. How does the Macquarie Bank Rewards Program work? 3 3. Rewards

More information

BankAmericard Travel Rewards Program Rules

BankAmericard Travel Rewards Program Rules BankAmericard Travel Rewards Program Rules BankAmericard Travel Rewards credit card customers are automatically enrolled in the BankAmericard Travel Rewards program ( the Program ) at no additional cost.

More information

TruRewards Terms and Conditions

TruRewards Terms and Conditions TruRewards Terms and Conditions TruRewards ("Program") is a promotional incentive program offered by Banner Bank ("Issuer," "we," and "us") residents of the United States. Under the Program, you will earn

More information

Altitude Business Rewards. Terms and conditions. Altitude Business Cards Altitude Business Gold Cards Altitude Business Platinum Cards

Altitude Business Rewards. Terms and conditions. Altitude Business Cards Altitude Business Gold Cards Altitude Business Platinum Cards Altitude Business Rewards Terms and conditions Altitude Business Cards Altitude Business Gold Cards Altitude Business Platinum Cards Effective 15 August 2015 Contents 1. When do these terms and conditions

More information

REWARDS TERMS & CONDITIONS COMMERCE BANK BUSINESS REWARDS

REWARDS TERMS & CONDITIONS COMMERCE BANK BUSINESS REWARDS REWARDS TERMS & CONDITIONS COMMERCE BANK BUSINESS REWARDS INTRODUCTION These Terms and Conditions are provided to Accountholders ( You or Your ) by Commerce Bank ( Commerce ) solely for the purpose of

More information

ScoreCard Bonus Point Program Rules

ScoreCard Bonus Point Program Rules ScoreCard Bonus Point Program Rules 1. As provided in these ScoreCard Bonus Point Program Rules ( Rules ), account holders ( You or Your ) earn one (1) Bonus Point ( Point(s) ) in the ScoreCard Program

More information

Terms and Conditions for HSBC Rewards Programme (April 2015 Edition) 1. HSBC Bank Malaysia Berhad (Company No. 127776 V) will be referred to as HSBC.

Terms and Conditions for HSBC Rewards Programme (April 2015 Edition) 1. HSBC Bank Malaysia Berhad (Company No. 127776 V) will be referred to as HSBC. Terms and Conditions for HSBC Rewards Programme (April 2015 Edition) 1. HSBC Bank Malaysia Berhad (Company No. 127776 V) will be referred to as HSBC. 2. This Terms & Conditions for HSBC Rewards Programme

More information

PROGRAM DESCRIPTION NAVY FEDERAL S VISA SIGNATURE FLAGSHIP REWARDS CARD

PROGRAM DESCRIPTION NAVY FEDERAL S VISA SIGNATURE FLAGSHIP REWARDS CARD NAVY FEDERAL S VISA SIGNATURE FLAGSHIP REWARDS CARD PROGRAM DESCRIPTION Visa Signature Flagship Rewards Online Members with NFO access may view their Visa Signature Flagship Rewards point history and redeem

More information

VISA PLATINUM/VISA PLATINUM REWARDS/VISA PLATINUM SHARE SECURED CONSUMER CREDIT CARD AGREEMENT

VISA PLATINUM/VISA PLATINUM REWARDS/VISA PLATINUM SHARE SECURED CONSUMER CREDIT CARD AGREEMENT VISA PLATINUM/VISA PLATINUM REWARDS/VISA PLATINUM SHARE SECURED CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account

More information

1. About Some of the Words in this Agreement 2. Account and Cards

1. About Some of the Words in this Agreement 2. Account and Cards B M O M A S T E R C A R D * F O R B U S I N E S S A C C O U N T A G R E E M E N T In this Agreement, the Customer means the business shown on a BMO MasterCard for Business application (the Application

More information

CommBank Awards Program

CommBank Awards Program Important information about the CommBank Awards Program Program Terms and Conditions 7 September 2015 Some Awards are also subject to separate terms and conditions of the supplier of the award. Please

More information

BankAmericard Cash Rewards Program Rules

BankAmericard Cash Rewards Program Rules BankAmericard Cash Rewards Program Rules It s simple: Cash back on every purchase. Use your card for everyday spending and put your purchases to work for you and redeem for cash back. There s no additional

More information

Bankwest Qantas Rewards

Bankwest Qantas Rewards Credit Cards Bankwest Qantas Rewards Terms and Conditions 1 October 2014 making banking easier Customer enquiries Please call 13 17 19 or visit bankwest.com.au. Where to report lost or stolen cards or

More information

Rewards Terms & Conditions Copy

Rewards Terms & Conditions Copy Rewards Terms & Conditions Copy Commerce Bank Rewards INTRODUCTION These Terms and Conditions are provided to Accountholders ( You or Your ) by Commerce Bank ( Commerce ) solely for the purpose of promoting

More information

À LA CARTE REWARDS PLAN RULES AND REGULATIONS Nbcrewards.ca

À LA CARTE REWARDS PLAN RULES AND REGULATIONS Nbcrewards.ca À LA CARTE REWARDS PLAN RULES AND REGULATIONS Nbcrewards.ca 1. HOW TO ENROLL IN THE À LA CARTE REWARDS PLAN 1.1 The À la carte Rewards Plan ( À la carte Plan ) is the rewards program of MasterCard credit

More information

Altitude Rewards and Altitude Qantas

Altitude Rewards and Altitude Qantas Altitude Terms and Conditions Altitude Rewards and Altitude Qantas Effective 9 November 2014 Altitude Rewards 1 Contents Altitude Rewards terms and conditions...4 1. When do these terms and conditions

More information

Mortgage Choice Platinum Card

Mortgage Choice Platinum Card Mortgage Choice Platinum Card Rewards Program Terms and Conditions Effective December 2014 Contents 1. When do these Terms and Conditions apply to me? 4 2. How does the Mortgage Choice Platinum Card Rewards

More information

Important notice regarding changes to your President s Choice Financial MasterCard account

Important notice regarding changes to your President s Choice Financial MasterCard account PC, President s Choice, PC Financial and President s Choice Financial are registered trademarks of Loblaws Inc. Trademarks used under licence. MasterCard is a registered trademark of MasterCard International

More information

Questions about your U.S. Bank FlexPerks Visa Account Call Cardmember Services

Questions about your U.S. Bank FlexPerks Visa Account Call Cardmember Services Questions about your U.S. Bank FlexPerks Visa Account Call Cardmember Services Get 24-hour cardmember service for any account inquiries or to report a lost or stolen card. U.S. Bank FlexPerks Travel Rewards

More information

Including ANZ Business One Rewards Options

Including ANZ Business One Rewards Options Introducing ANZ Business One Rewards Options Including ANZ Business One Rewards Options Program Terms and Conditions Welcome We re delighted you have chosen ANZ Business One Rewards Options, the business

More information

BankAmericard Privileges with Cash Rewards Program Rules

BankAmericard Privileges with Cash Rewards Program Rules BankAmericard Privileges with Cash Rewards Program Rules It s simple: Cash back on every purchase. Use your card for everyday spending and put your purchases to work for you and redeem for cash back. There

More information

ROGERS BANK CARDHOLDER AGREEMENT

ROGERS BANK CARDHOLDER AGREEMENT ROGERS BANK CARDHOLDER AGREEMENT This Agreement is between you and Rogers Bank and applies to your Account, and every Card, including mobile versions or renewal and replacement Cards that we may issue

More information

ATB Financial MasterCard Personal Cardholder Agreement ( Agreement )

ATB Financial MasterCard Personal Cardholder Agreement ( Agreement ) ATB Financial MasterCard Personal Cardholder Agreement ( Agreement ) Effective December 1, 2014 10048253 1. INTRODUCTION 1.1. Definitions In this Agreement, the words: ATB means Alberta Treasury Branches,

More information

TCF Miles Plus SM Rewards Program

TCF Miles Plus SM Rewards Program TCF Miles Plus SM Rewards Program Card Issuer Terms and Conditions TCF MILES PLUS Rewards Program ( Program ) is a promotional incentive Program offered by TCF National Bank ( Issuer, we, and us ). These

More information

Credit Card Agreement for Teamsters Cards in Capital One, N.A.

Credit Card Agreement for Teamsters Cards in Capital One, N.A. Credit Card Agreement for Teamsters Cards in Capital One, N.A. There are two parts to this Credit Card Agreement: Capital One Pricing Information and the Capital One Customer Agreement. The Pricing Information

More information

SPEEDWAY CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS

SPEEDWAY CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS SPEEDWAY CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS As used in these Terms and Conditions, the words you and your refer to the owner(s) (primary and secondary cardmembers) with a credit card account

More information

December 2013. Q Rewards Terms and Conditions

December 2013. Q Rewards Terms and Conditions December 2013 Q Rewards Terms and Conditions 2 Contents Page 1. Definitions 4 2. Participation 4 3. Accumulation of Reward Points 4 4. Duration and Loss of Reward Points 5 5. Reward Redemption 6 6. Fast

More information

AmaZing Cash FAQs. About the Program

AmaZing Cash FAQs. About the Program AmaZing Cash FAQs About the Program 1. How does the AmaZing Cash program work? The AmaZing Cash program comes automatically with the AmaZing Cash Credit Card and the AmaZing Cash Signature Card. It is

More information

Questions about your U.S. Bank FlexPerks Visa Account Call Cardmember Services

Questions about your U.S. Bank FlexPerks Visa Account Call Cardmember Services Questions about your U.S. Bank FlexPerks Visa Account Call Cardmember Services Get 24-hour cardmember service for any account inquiries or to report a lost or stolen card. U.S. Bank FlexPerks Travel Rewards

More information

Credit Card Rewards. Earn points toward dream vacations, merchandise, gift cards, cash back and more. Start earning your rewards today!

Credit Card Rewards. Earn points toward dream vacations, merchandise, gift cards, cash back and more. Start earning your rewards today! Credit Card Rewards Earn points toward dream vacations, merchandise, gift cards, cash back and more Start earning your rewards today! CHOOSE YOUR OWN REWARDS Use your credit card and earn rewards points

More information

1.99% Introductory APR for the first 6 Statement Closing Dates following the opening of your account.

1.99% Introductory APR for the first 6 Statement Closing Dates following the opening of your account. CREDIT CARD AGREEMENT FOR BEYOND SMALL BUSINESS MASTERCARD OF FIRSTBANK (THE AGREEMENT ) Interest rates and Interest Charges Annual Percentage Rate (APR) for Purchases 1.99% Introductory APR for the first

More information

First Miles Terms & Conditions

First Miles Terms & Conditions First Miles Terms & Conditions The following provisions shall apply to the First Miles Program. Kindly note that the provisions stated herein form an integral part of the First Gulf Bank General Terms

More information

ProRewards provides purchasing power and many other gifts. How to enroll

ProRewards provides purchasing power and many other gifts. How to enroll ProRewards Heading or title ProRewards provides purchasing power and many other gifts. ProRewards is a program that gives you the ability to automatically earn points for great rewards by using your Proponent

More information

SUN COUNTRY AIRLINES CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS

SUN COUNTRY AIRLINES CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS SUN COUNTRY AIRLINES CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS As used in these Terms and Conditions, the words you and your refer to the owner(s) (primary and secondary cardmembers) with a credit

More information

ONPOINT COMMUNITY CREDIT UNION International Prepaid Card Terms and Conditions

ONPOINT COMMUNITY CREDIT UNION International Prepaid Card Terms and Conditions ONPOINT COMMUNITY CREDIT UNION International Prepaid Card Terms and Conditions International Prepaid Card These are your International Prepaid Card Terms and Conditions. "Agreement" means these VISA Prepaid

More information

Wealth Management. Yellow Brick Road. Rewards Program Terms and Conditions

Wealth Management. Yellow Brick Road. Rewards Program Terms and Conditions Wealth Management Yellow Brick Road Rewards Program Terms and Conditions Effective July 2013 Contents 1. When do these Terms and Conditions apply to me? 3 2. How does the Yellow Brick Road Credit Cards

More information

FOR CUSTOMER SERVICE. Visit us online at www.pyramidmg.com or call 1-800-297-5009. Balance Inquiries Purchase More Gift Cards Special Offers

FOR CUSTOMER SERVICE. Visit us online at www.pyramidmg.com or call 1-800-297-5009. Balance Inquiries Purchase More Gift Cards Special Offers FOR CUSTOMER SERVICE Visit us online at www.pyramidmg.com or call 1-800-297-5009 Balance Inquiries Purchase More Gift Cards Special Offers For easiest use ALWAYS KNOW YOUR BALANCE AND TELL THE CASHIER!

More information

FOR 24-HOUR CUSTOMER SERVICE. Visit us online at americanexpress.com/mygiftcard or call 1-877-297-4438.

FOR 24-HOUR CUSTOMER SERVICE. Visit us online at americanexpress.com/mygiftcard or call 1-877-297-4438. FOR 24-HOUR CUSTOMER SERVICE Visit us online at americanexpress.com/mygiftcard or call 1-877-297-4438. Balance Inquiries Purchase More Gift Cards Merchant Discounts Special Offers For easiest use ALWAYS

More information

TD Cash & First Class Important Credit Card Terms and Conditions. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases

TD Cash & First Class Important Credit Card Terms and Conditions. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases TD Cash & First Class Important Credit Card Terms and Conditions Rates, fees, and other important costs of the TD Credit Cards are disclosed below. Additional fees and account terms are described in the

More information

NAVY FEDERAL S GO REWARDS CARD PROGRAM DESCRIPTION. navyfederal.org 1-888-842-6328

NAVY FEDERAL S GO REWARDS CARD PROGRAM DESCRIPTION. navyfederal.org 1-888-842-6328 NAVY FEDERAL S GO REWARDS CARD PROGRAM DESCRIPTION navyfederal.org 1-888-842-6328 Rewards 1,000 Digital downloads including apps. 3,500 Selection of merchandise and gift cards. 5,000 Selection of merchandise

More information

MILES-TO-GO sm PROGRAM RULES Welcome to the ToGoAway Travel Network Miles-To-Go sm Frequent Traveler Program WELCOME

MILES-TO-GO sm PROGRAM RULES Welcome to the ToGoAway Travel Network Miles-To-Go sm Frequent Traveler Program WELCOME MILES-TO-GO sm PROGRAM RULES Welcome to the ToGoAway Travel Network Miles-To-Go sm Frequent Traveler Program WELCOME Welcome! ToGoAway Travel Network has introduced a unique travel awards program in the

More information

Credit Card Agreement and Disclosure Statement

Credit Card Agreement and Disclosure Statement Credit Card Agreement and Disclosure Statement Your Lifetime Financial Partner In this Agreement the words you and your mean each and all of those signing, using or having a credit Card account with Northwest

More information

ANZ Airpoints Visa WELCOME GUIDE

ANZ Airpoints Visa WELCOME GUIDE ANZ Airpoints Visa WELCOME GUIDE Introducing the ANZ Airpoints Visa and the ANZ Airpoints Visa Platinum, the credit cards that reward you with Air New Zealand Airpoints Dollars. The ANZ Airpoints Visa

More information

Credit Card Agreement for GM Card in Capital One, N.A.

Credit Card Agreement for GM Card in Capital One, N.A. Credit Card Agreement for GM Card in Capital One, N.A. There are two parts to this Credit Card Agreement: Capital One Pricing Information and the Capital One Customer Agreement. The Pricing Information

More information

ANZ Credit Card Rewards Programme Terms and Conditions

ANZ Credit Card Rewards Programme Terms and Conditions ANZ Credit Card Rewards Programme Terms and Conditions Participation 1. The ANZ Credit Card Rewards Programme is open to Principal Cardmembers of the ANZ Signature Priority Banking Credit Card, ANZ Platinum

More information

AmaZing Cash FAQs. About the Program

AmaZing Cash FAQs. About the Program AmaZing Cash FAQs About the Program 1. How does the AmaZing Cash program work? The AmaZing Cash program comes automatically with the AmaZing Cash Credit Card and the AmaZing Cash Signature Card. You earn

More information

BankAmericard Privileges credit card with Travel Rewards Program Rules

BankAmericard Privileges credit card with Travel Rewards Program Rules BankAmericard Privileges credit card with Travel Rewards Program Rules It s easy to earn Points simply use your credit card for everyday purchases. There s no additional cost to participate in the Program,

More information

Visa Student Card Terms and Conditions. These are your Student Card Terms and Conditions.

Visa Student Card Terms and Conditions. These are your Student Card Terms and Conditions. Visa Student Card Terms and Conditions These are your Student Card Terms and Conditions. "Agreement" means these Visa Student Card Terms and Conditions. "We" "us" and "our" refer to Bank-Fund Staff Federal

More information

CIBC Cardholder Agreement

CIBC Cardholder Agreement CIBC Cardholder Agreement Table of Contents Topic Page Introduction 2 Other documents and agreements 2 Your rights and responsibilities 2, 3 Liability for loss 3 Foreign currency transactions 3, 4 Credit

More information

This APR may be applied to your Credit Card account if you make a late payment. If you are charged interest, the charge will be no less than $1.00.

This APR may be applied to your Credit Card account if you make a late payment. If you are charged interest, the charge will be no less than $1.00. SHELL VACATIONS CLUB VISA CREDIT CARD AGREEMENT (Personal Accounts) Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases APR for Cash Advances Penalty APR and When it Applies

More information

Bendigo Rewards. Terms & Conditions. 21 December 2015. www.bendigobank.com.au

Bendigo Rewards. Terms & Conditions. 21 December 2015. www.bendigobank.com.au Bendigo Rewards. Terms & Conditions. 21 December 2015 www.bendigobank.com.au Bendigo and Adelaide Bank Limited The Bendigo Centre Bendigo VIC 3550 Telephone 1300 BENDIGO (1300 236 344) ABN 11 068 049 178.

More information

Rewards Catalogue. Let your credit card work for you

Rewards Catalogue. Let your credit card work for you Rewards Catalogue Let your credit card work for you DEAR VALUED CUSTOMER, HSBC welcomes you to its Rewards Programme, a unique way to gain access to a wide range of exclusive rewards & enrich your experiences.

More information

Bankwest Qantas Rewards Program for the Bankwest Qantas Transaction Account

Bankwest Qantas Rewards Program for the Bankwest Qantas Transaction Account Page 1 bankwest.com.au Bankwest Qantas Rewards Program for the Bankwest Qantas Transaction Account Terms and Conditions 30 November 2015 This booklet covers the terms and conditions that apply to the Bankwest

More information

FREQUENTLY ASKED QUESTIONS REGARDING CITY NATIONAL REWARDS, POWERED BY THE SCORECARD PROGRAM EFFECTIVE MAY 7, 2012

FREQUENTLY ASKED QUESTIONS REGARDING CITY NATIONAL REWARDS, POWERED BY THE SCORECARD PROGRAM EFFECTIVE MAY 7, 2012 FREQUENTLY ASKED QUESTIONS REGARDING CITY NATIONAL REWARDS, POWERED BY THE SCORECARD PROGRAM EFFECTIVE MAY 7, 2012 GENERAL PROGRAM QUESTIONS What is City National Rewards? What is ScoreCard? How do I enroll

More information

How Does Credit Union Work?

How Does Credit Union Work? VISA PLATINUM CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The Account Opening Disclosure

More information

AUDIENCE REWARDS CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS

AUDIENCE REWARDS CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS AUDIENCE REWARDS CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS As used in these Terms and Conditions, the words you and your refer to the owner(s) (primary and secondary cardmembers) with a credit card

More information

Credit Card Agreement for Consumer Cards in Capital One Bank (USA), N.A.

Credit Card Agreement for Consumer Cards in Capital One Bank (USA), N.A. Credit Card Agreement for Consumer Cards in Capital One Bank (USA), N.A. There are two parts to this Credit Card Agreement: Capital One Pricing Information and the Capital One Customer Agreement. The Pricing

More information

360 Federal Credit Union Reloadable Prepaid Card Terms and Conditions

360 Federal Credit Union Reloadable Prepaid Card Terms and Conditions 360 Federal Credit Union Reloadable Prepaid Card Terms and Conditions These are your Prepaid Card Terms and Conditions: "Agreement" means these Visa Prepaid Card Terms and Conditions. "We" "us" and "our"

More information

CREDIT CARD CARDHOLDER AGREEMENT

CREDIT CARD CARDHOLDER AGREEMENT CREDIT CARD CARDHOLDER AGREEMENT (This Agreement applies to Visa Platinum, Visa Gold, Visa Classic or other cards issued by HSBC) IMPORTANT! Before you use your Card, please read this Agreement carefully.

More information

Credit Card Agreement for VISA Signature and World MasterCard in Capital One Bank (USA), N.A.

Credit Card Agreement for VISA Signature and World MasterCard in Capital One Bank (USA), N.A. Credit Card Agreement for VISA Signature and World MasterCard in Capital One Bank (USA), N.A. There are two parts to this Credit Card Agreement: Capital One Pricing Information and the Capital One Customer

More information

Information Sharing Priceline Rewards Program Eligibility Point Accrual and Tracking $29 Annual Fee priceline rewards Visa credit card

Information Sharing Priceline Rewards Program Eligibility Point Accrual and Tracking $29 Annual Fee priceline rewards Visa credit card Information Sharing Barclays' Privacy Policy is available online at www.barclaycardus.com. I agree that Barclays Bank Delaware and Priceline will share information to the extent needed to administer the

More information

SelfScore Cardholder Agreement for Cards issued by Celtic Bank

SelfScore Cardholder Agreement for Cards issued by Celtic Bank SelfScore Cardholder Agreement for Cards issued by Celtic Bank SelfScore has partnered with Celtic Bank (together referred to as "us," "we," "our," or the like), Utah industrial member FDIC, to offer this

More information

First Cash Back Terms & Conditions

First Cash Back Terms & Conditions First Cash Back Terms & Conditions The following provisions shall apply to the First Cash Back Program. Kindly note that the provisions stated herein form an integral part of the FGB s General Terms and

More information

Macquarie Rewards Program. Terms and Conditions

Macquarie Rewards Program. Terms and Conditions Macquarie Rewards Program Terms and Conditions EFFECTIVE 20 NOVEMBER 2015 1 Contents 1. When do these Terms and Conditions apply to me? 1 2. How does the Macquarie Rewards Program work? 2 3. Administration

More information

Smarter Financing for Smarter Business. Small Business. with up to $5MM annual revenue

Smarter Financing for Smarter Business. Small Business. with up to $5MM annual revenue Smarter Financing for Smarter Business Your business. Your credit card. Your way. Business Edition Visa Card with Absolute Rewards Business Edition Visa Card Small Business with up to $5MM annual revenue

More information

ANZ Rewards RewARds PRogRAm TeRms ANd CoNdiTioNs

ANZ Rewards RewARds PRogRAm TeRms ANd CoNdiTioNs ANZ Rewards Rewards Program Terms and Conditions When these terms and conditions apply 1. If you are a new account holder, these terms and conditions will apply when we advise you that your application

More information

MASTERCARD CONSUMER CREDIT CARD AGREEMENT

MASTERCARD CONSUMER CREDIT CARD AGREEMENT MASTERCARD CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The Account Opening Disclosure

More information

I request a refund in accordance with paragraph 7(b); or

I request a refund in accordance with paragraph 7(b); or CIBC RETIREMENT SAVINGS PLAN AGREEMENT 1. ESTABLISHMENT OF PLAN: Canadian Imperial Bank of Commerce ( CIBC ) agrees to hold on deposit in a CIBC Retirement Savings Plan (the Plan ) contributions received

More information

Stock Market GIC Standard Terms and Conditions Non-Registered

Stock Market GIC Standard Terms and Conditions Non-Registered Stock Market GIC Standard Terms and Conditions Non-Registered These are HSBC s Standard Terms and Conditions ( Standard Terms ) for all non-registered Stock Market guaranteed investment certificates (

More information

RBC Royal Bank Visa Business Platinum Avion. A world of travel rewards. And more.

RBC Royal Bank Visa Business Platinum Avion. A world of travel rewards. And more. RBC Royal Bank Visa Business Platinum Avion A world of travel rewards. And more. A world of travel rewards. And more. 3 Expense management has never been easier or more rewarding Welcome to RBC Royal Bank

More information

Capital One Customer Agreement Welcome to Capital One Credit Limits Definitions Glossary Account Documents Using Your Account New Offers

Capital One Customer Agreement Welcome to Capital One Credit Limits Definitions Glossary Account Documents Using Your Account New Offers Capital One Customer Agreement Welcome to Capital One Thank you for opening a credit card account with us. This Customer Agreement including any changes to it ( Agreement ) contains the terms of your agreement

More information

CARDMEMBER AGREEMENT AND DISCLOSURE STATEMENT Part 1 of 2: Agreement ABOUT THIS AGREEMENT Part 1 and 2 together make your Cardmember Agreement and

CARDMEMBER AGREEMENT AND DISCLOSURE STATEMENT Part 1 of 2: Agreement ABOUT THIS AGREEMENT Part 1 and 2 together make your Cardmember Agreement and CARDMEMBER AGREEMENT AND DISCLOSURE STATEMENT Part 1 of 2: Agreement ABOUT THIS AGREEMENT Part 1 and 2 together make your Cardmember Agreement and Disclosure Statement ( Agreement ) and govern your Credit

More information

USAA CREDIT CARD AGREEMENT USAA SAVINGS BANK

USAA CREDIT CARD AGREEMENT USAA SAVINGS BANK USAA CREDIT CARD AGREEMENT USAA SAVINGS BANK PART A: Important Information about this Agreement 1. The Parties to this Agreement.................. p.4 2. The Documents that Make Up this Agreement.... p.4

More information

A+FCU GIFT CARD TERMS AND CONDITIONS

A+FCU GIFT CARD TERMS AND CONDITIONS PO Box 14867 Austin, TX 78761-4867 512-302-6800 800-252-8148 www.aplusfcu.org A+FCU GIFT CARD TERMS AND CONDITIONS These terms and conditions ( Agreement ) govern the issuance and use of the A+ FCU Gift

More information

Credit Card Agreement for Consumer Cards in Capital One, N.A.

Credit Card Agreement for Consumer Cards in Capital One, N.A. Credit Card Agreement for Consumer Cards in Capital One, N.A. There are two parts to this Credit Card Agreement: Capital One Pricing Information and the Capital One Customer Agreement. The Pricing Information

More information

TD Cash Back TM MasterCard. Cardholder Agreement and Benefit Coverages Guide

TD Cash Back TM MasterCard. Cardholder Agreement and Benefit Coverages Guide TD Cash Back TM MasterCard Cardholder Agreement and Benefit Coverages Guide The TD Cash Back MasterCard Cardholder Agreement and Benefit Coverages Guide This document includes: TD Cash Back MasterCard

More information